1. Introduction & Commitment

Rema Financial Private Limited, CIN U64990KA2024PTC186059 ("Company", "we", "us", "our") is committed to protecting the privacy and security of your personal information. This Data Privacy Policy explains how we collect, use, store, share, and protect your personal data in compliance with Indian laws and regulations.

Our Commitment: We treat your privacy with the highest importance and implement robust measures to safeguard your personal and financial information.

2. Information We Collect

2.1 Personal Identification Information

• Full name, date of birth, gender
• Contact details (address, email, phone number)
• Government identification numbers (PAN, Aadhaar, Passport)
• Photographs and signature specimens

2.2 Financial Information

• Bank account details and statements
• Income and wealth details
• Investment preferences and risk appetite
• Transaction history and portfolio details

2.3 Technical Information

• IP address, device information, browser type
• Usage patterns and access logs
• Location data (with consent)

3. Purpose of Data Processing

3.1 Service Delivery

• Account registration and KYC verification
• Investment processing and portfolio management
• Transaction execution and settlement
• Customer support and service delivery

3.2 Regulatory Compliance

• KYC/AML compliance as per PMLA requirements
• AMFI regulatory reporting (as a registered Mutual Fund Distributor, ARN-297316)
• Tax deduction and compliance (TDS, etc.)
• SEBI regulations applicable to mutual fund products we distribute

3.3 Marketing & Communications

With your explicit consent, we may:

• Send promotional offers and product information
• Share market updates and investment opportunities
• Conduct customer surveys and feedback collection

4. Data Sharing & Disclosure

4.1 Regulatory Authorities

We share data with regulatory bodies as mandated by law:

• Association of Mutual Funds in India (AMFI) — as a registered distributor
• Securities and Exchange Board of India (SEBI) — for mutual fund product compliance
• Income Tax Department — for TDS and reporting obligations
• Financial Intelligence Unit (FIU-IND) — for AML/KYC compliance

4.2 Financial Partners

• Asset Management Companies
• Insurance companies
• Banks and payment gateways
• Depository participants

5. Data Security Measures

We implement comprehensive security measures:

5.1 Technical Safeguards

• 256-bit SSL encryption for data transmission
• Advanced firewall protection
• Multi-factor authentication
• Data encryption at rest and in transit

5.2 Organizational Safeguards

• Role-based access controls
• Employee training on data protection
• Confidentiality agreements
• Regular privacy impact assessments

6. Data Retention Period

We retain personal data as required by law:

7. Your Data Protection Rights

Exercise Your Rights: Contact growth@remafinancial.com

8. Cookies & Tracking Technologies

We use cookies for:

• Essential Cookies: Platform functionality
• Analytics Cookies: User behavior understanding
• Marketing Cookies: Personalized content (with consent)

Manage cookie preferences through browser settings. See our Cookies Policy for details.

9. Grievance Redressal

For privacy-related concerns, contact:

We acknowledge grievances within 24 hours and resolve them within 30 days.

10. Changes to this Policy

We may update this Policy for:

• Changes in data processing activities
• Legal and regulatory requirements
• Technological advancements

Material changes will be notified through platform notifications and email.